To be completely honest - There is no straight answer. One modern answer was that particles falling into a black hole would appear to be destroyed for outside observer (in a vortex of fire) while the observer would be scrambled into a holographic representation (keep in mind ashes would be a highly energetic representation of same observer).

See

http://en.wikipedia.org/wiki/Firewall_%28physics%29

https://www.youtube.com/watch?v=2DIl3Hfh9tY